# MIAMI
MIAMI, FL · NCUA charter 9287 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/miami-9287

Who the members are: federal charter, multiple common bond, organized 1954. 2,619 members of 10,000 potential (26.2% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 83.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $43.8M |
| Members | 2,619 (1.2% YoY) |
| Full-time staff | 11 |
| Net worth | $5.3M |
| Net worth ratio | 12.2% (p32 of band) |
| ROA (annualized) | 0.25% (p35 of band) |
| Total delinquency | 0.67% (p51 of band) |
| Net charge-offs (annualized) | 0.14% (p61 of band) |
| Loans / shares | 84% (p86 of band) |
| Cash / assets | 19.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.41% (p31 of band) |
| Operating expense / assets | 3.58% (p48 of band) |
| Vehicles % of loans | 26% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 13% (p91 of band) |
| Vehicle delinquency | 0.78% (p60 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 17% |
| Average share balance | $8,110 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $693,965 |
| Loans outstanding per 100 members | 83% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $14,793 |
| Loans granted, annualized | $7.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $693,965 outstanding purchased (13.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.6% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | net worth falling |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 0 |  | net worth falling, delinquency rising |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, delinquency rising |  |
| 2020-09 | 1 | members leaving | net worth falling, delinquency rising |
| 2020-12 | 1 | delinquency rising | members leaving |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 3 | members leaving | margin squeeze |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 2 | losing money |  |
| 2022-06 | 0 |  | members leaving, losing money |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 3 | losing money, assets shrinking |  |
| 2023-06 | 3 | net worth falling, leaning on borrowings | losing money, assets shrinking |
| 2023-09 | 1 |  | delinquency rising, leaning on borrowings |
| 2023-12 | 3 | delinquency rising, leaning on borrowings |  |
| 2024-03 | 5 | margin squeeze, members leaving |  |
| 2024-06 | 1 |  | net worth falling, delinquency rising, margin squeeze, members leaving |
| 2024-09 | 3 | losing money, delinquency rising |  |
| 2024-12 | 3 | assets shrinking | delinquency rising |
| 2025-03 | 3 | delinquency rising | losing money |
| 2025-06 | 2 | net worth falling | assets shrinking, delinquency rising |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 | delinquency rising | leaning on borrowings |
| 2026-03 | 0 |  | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-02 [BUSINESS GROWTH CORNER: BRIGHTSTAR CREDIT UNION ENTERS THE MIAMI BEACH MARKET - City of Miami Beach (.gov)](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNd3ZLVVFQVzdxWksxaU1xN05xX2lwLWVESi1pOXR1Y1A3WTlXRElmSEVLQXFMeVEtOThGMW1PbUVDOTJhOVBLYVlnOC1JQjBCQmw2MFVSMktPSkpqRmhVRkpYVU1sb2tSQ2hmTHl1aEpzYVZFX0cxQXFtNjhkNGJidWpHb1ZVazhxVkJRa0ZYLUJmejNmdHliZVBjZDVFbWVLcGo5U1l6VXZ1UQ?oc=5) · City of Miami Beach (.gov)
- 2026-05-12 [Space Coast Credit Union expands South Florida presence with new Miami Gardens North branch - CUInsight](https://news.google.com/rss/articles/CBMizAFBVV95cUxNODZvcDI2cnZSWkhKQy0tdWd2M01NdXFhT2JjejJ5YzhzRTI0emhpanNuWmxwbXFGSGlrNnJvNGh0R19YbmZWZGc5LWlRdVluaEN5WEJodWxMWGpGM0g4Vk5UZVRaRk9Pb3NuYUFnd2FNRHMzeUlxQ2o0d2oybVRBSUJQbmswOXZKYjhXV2MzV1pjWmJTZVlINS1xN18xajJyeVJMdlFzQ0JBM1NUNFYxRVFjRXkxbW91WU0yN1BwX3V4NlhEcmZWOWkxTWI?oc=5) · CUInsight
- 2026-05-13 [Dozens of South Florida drivers receive free gas thanks to local credit union - CBS News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNR3hraWxoVmFXNU04dFFBT0NuR0U3bG0wV3hqWTJBQWNGMkZCUndxMTlmZ3VJZ2haSnJxem41RVlhUDBWYUZneS1ZbVhRc2hhV2V3MDBfaUE1b19kWGhKMlkwZTZWUkwwWERZdTBRcnJza1kxX3Rtd1Y2d0k5WXBuZUM0SUs4dGxON1h5SjIzVkhodV8xU01KQUV5bElUOVdES0ZrLWhBQVc?oc=5) · CBS News
- 2025-11-18 [Credit union opens first branch in Miami-Dade - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNX203ZVQ3TGxVSTZ5dGpfczFzbG1ueTNibG16akNzLXd6endVNHl0VWUycHNzZXdySFRmNjF3aDhZdlpKR0FpQ3hZUERLOEJwakdQelFHYzJsV092enFQeG90VTNDc1N5clB3enpocFFISGx2MGpDWnZLaDJ1SUNGcE43NWk5V1hWMjNDY2p0NzdHT3JXenEyQzVNTXQ2c2FPRHpZZTU0YVU5eTRzd1hR?oc=5) · The Business Journals
- 2026-07-14 [Man accused of $180K fraud scheme targeting credit union member, Pines police say - Pembroke Pines News](https://news.google.com/rss/articles/CBMid0FVX3lxTE85b0hvZ3VfeHZqbndnS09lbFpSaUlSdGZiUlZlLTZPa0FzQlZ5MXg2LXpxNDVLT1loeTUweUJmajZfa05xWkQ0TmV2X1k4cXZXcEs4Mk8xQUdqRVVrS09Fb1JpaWYzOGZmRDAzODlyTW1xdUE3RUdZ0gF3QVVfeXFMTXRZblZkdGdBYTU3blczQnFyb0h1S2taenI1b1pIcm5UWllUYlB2aFRxZ2l6ZHpzdk5jdncyMXhfckFyN2d4a2d4alZSTUxuckFxRFR5MmtJQlBNeF96ZkxhTjZXTEpMQVllQW5oWXFrZzRKUlpsb00?oc=5) · Pembroke Pines News
- 2026-06-09 [Southeastern Credit Union Appoints New Chief Financial Officer - Valdosta Today](https://news.google.com/rss/articles/CBMirwFBVV95cUxQbFZDMlo3MnBHQ3VPN3NNUFlZenNacU1QQ2E1OEJYZUtvTncwUEZDN2djNzFjR1hHSEg0aXdGdi0zZjJkcXItN3hkOUxSbWVzaWZnOWpkOFpKNGNwVnJqV05Wc1lUa3lxd2VaUXZoOV9OaV9WbHpmZlJlYnMtbmp4OFhITFhsQ25VX0N0R2hxVXdhd3Y4TlUzbTVaMDJfWEpzdmVPTURYek0tQlJfWEhF?oc=5) · Valdosta Today
- 2025-11-11 [BrightStar Credit Union opens first branch in Miami - CUInsight](https://news.google.com/rss/articles/CBMilwFBVV95cUxQX2J2bXlJZzhRa2VuZ1BjNHg1empkVW5Fc1plQ2NSanpVUVdGaVZTcS1wVXA4c2xIUWdncEZIQXRXbnlBUmkzbm8zbG5UblliNEZMa1F0UzZ5UmRXcXVjZ0JBTVExQlJpczdQaTdwSGN0Y3lWZmxiVVFTNFFRTEFiNjI0cldQa3JTbi1wS1J0eFpTaFhwTmpj?oc=5) · CUInsight
- 2026-03-02 [South Florida credit union adds C-suite executives - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPYUMzSnA4Q0V1cExHU1JfWUowSGV5ZzAwOVZwZkhYdlJUWlJMTWlMdHRUZUdNZ0hqVUlMRjc1UUZSSjJnVUxEbEFxQ3J4OERnV1I2UllQbUhkem1CdkNoOFplMXFmaWdnN3A3RDduSFVTOG1wVWp3b3NhOE5hb0xfeWg3ekptOENFOW1HWDVEdGR1VkRfdmxVOUlBUQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9287 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/7.json (key "9287", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=9287
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide